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lowell/carter claimform - welcome finance 'debt'


kh41
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cut odd date?

I assume you mean cut off date?

cut off for what?

 

 

and did you hand that letter in too andy advised?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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we handed . all letters in advised to ,

as much as the judge was sympathetic to our case ,

 

 

he said he had two options

to dismiss it

or adjourn it ,

 

 

and after deliberating decided to adjourn it.

we asked him to set it aside but his reasoning was if he did ,

other people would still come for us .

 

and yes I meant cut off date .

 

 

at this moment we do not know any dates ,

only going by what the solicitor said in court regarding when last payment was made

, and when it was defaulted

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ah that's a wee bit clearer

 

 

well the default notice is not the date of sb for sure

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

KH lets wait until you get the Order with further directions...and then we can realign your points of defence.

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Good Afternoon guys

 

 

Received letter of Lowell solicitors yesterday with Documents enclosed and it looks like we may be sunk. appears she made a DD payment on the 30/10/2010 . copy of a default notice from welcome dated 07/04/2010 . a photocopy of the original credit agreement signed and dated by my partner and a letter informing us debt was sold to Lowell on the 30/08/2012.

 

 

where does this leave us now ??

 

 

KH41

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Hi all

 

 

I have attached some of the documents we have received from Lowell solicitors , I would be grateful if someone could have a look over them for us

 

 

many thanks

 

 

Kh41

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PDF please

 

Upload guide

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Sr4?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Yes please....like to see their creative artwork....:-)

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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:lol: my exact thoughts

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

As post 1 here she did pay £30 Apr 2009

So 6 yrs is Apr 2015

 

But what are those £6.26 payment's

That's what is killing SB

 

Did she enter into a DMP?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

we have no proof of any payments she may or may not of made , and looking at there loan sheets there is no account umber showing to show where it came from so we cant check or say for deff

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£6.26...seems a rather strange amount for a Direct Debit...why not £6 or £5 ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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the amount was worked out on a pro rata basis I think , she had other debts and it worked out 6.26 was what she could offer at the time.

 

 

have you had a chance to look through the other paperwork ??? is the agreement enforceable ect ??

 

 

thanks

 

 

KH41

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Not really but its obviously not statute barred .

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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I have just had another look through the credit agreement and noticed two different dates my partner signed on the 20/07/2007 but they signed it on the 04/08/2007 does this meaning anything ?? or am I just clutching at straws here .

 

 

we at the point now where we might just ring them and make an offer of payment or are we best going to court getting a CCJ and then wait for the judge to tell us how much we need to pay monthly ect.

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I have just had another look through the credit agreement and noticed two different dates my partner signed on the 20/07/2007 but they signed it on the 04/08/2007 does this meaning anything ?? or am I just clutching at straws here . Clutching

 

 

we at the point now where we might just ring them and make an offer of payment or are we best going to court getting a CCJ and then wait for the judge to tell us how much we need to pay monthly ect.

 

Depends how important to avoid a CCJ or what effect it would have on you?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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already have debts , credit file will not be clear till 2020 regardless of the CCJ. we are not homeowners so no charge on property and don't really have valuables a bailiff can take. so it would not really affect anything regardless.

 

 

just wondering what the cheapest way to go is , from the papers they have sent don't think we have a chance so maybe making a deal with them direct is best option

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The only difference would be that you could avoid a CCJ and negotiate a settlement figure...agreeing this by way of a Consent/Tomlin Order.

 

See the following thread as I have just covered this with another poster.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?453516-1st-credit-claimform-Defended-How-to-Respond-to-DQ-amp-Possible-Mediation/page5

 

Unlike you they wanted to avoid the CCJ...you have more bargaining power if no concern...as you can reject it and proceed to court and let them decide

 

You should in theory be able to get a better deal by way of settlement though...as fixed costs will be a none entity

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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